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Intrinsic value of Globe Life Inc. (GL)

Previous Close$97.88
Intrinsic Value
Upside potential
Previous Close
$97.88
* Our model cannot be used “out of the box” for the valuation of this stock. You can still do your own valuation by changing the valuation input parameters.
Use floor (the cash flow based valuation has rendered a result, which is lower than an estimated minimum value derived from the company’s balance sheet analysis)

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh93.9 

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products, and annuities to lower middle to middle income households in the United States. The company operates through four segments: Life Insurance, Supplemental Health Insurance, Annuities, and Investments. It offers whole life, term life, and other life insurance products; and medicare supplement and supplemental health insurance, such as critical illness and accident plans. The company was formerly known as Torchmark Corporation and changed its name to Globe Life Inc. in August 2019. Globe Life Inc. was incorporated in 1979 and is headquartered in McKinney, Texas.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %7.9NaN
Revenue, $5113NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m4117NaN
Operating income, $m996NaN
EBITDA, $m1600NaN
Interest expense (income), $mNaN
Earnings before tax, $m912NaN
Tax expense, $m167NaN
Net income, $m745NaN

BALANCE SHEET

Cash and short-term investments, $m92NaN
Total assets, $m29768NaN
Adjusted assets (=assets-cash), $m29676NaN
Average production assets, $m826NaN
Working capital, $m-16512NaN
Total debt, $m2026NaN
Total liabilities, $m21125NaN
Total equity, $m8643NaN
Debt-to-equity ratio0.234NaN
Adjusted equity ratio0.304NaN

CASH FLOW

Net income, $m745NaN
Depreciation, amort., depletion, $m604NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m1438NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-38NaN
Free cash flow, $m1476NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m-16512
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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